22/09/2025
Dear Clients,
Please don’t be offended when we as agents ask about your income, it’s an essential part of our qualification process. 😊
Why is pre-qualification important for us agents when assisting clients who inquire?
Let’s break it down:
📌 AGE
There’s an age limit when applying for a property.
If you’re under 38 years old, you qualify for the 30-year payment term, which offers the lowest monthly amortization.
Pag-IBIG allows housing loans only up to age 70.
📌 CIVIL STATUS
Please be honest.
Only those who are Single, Married, or Widowed can avail of a housing loan.
If you’re Separated, you must be legally separated.
Otherwise, Pag-IBIG or bank financing won’t be possible unless your ex-partner agrees to submit the required documents.
In this case, In-house Financing or Deferred Cash may be your alternative options.
📌 NATURE OF WORK
Yes, we need to know your job so we can prepare the correct requirements for you. 😊
📌 BASIC MONTHLY SALARY
We ask this not to pry, but because every property has different salary requirements depending on its type and location.
📌 LOCAL EMPLOYED or OFW
We also need to know this because the requirements differ for locally employed individuals and OFWs.
📌 PAG-IBIG MEMBER?
If you prefer Pag-IBIG Financing (which offers the lowest interest rates), being a member is a must.
📌 AT LEAST 24 MONTHS CONTRIBUTION?
Pag-IBIG requires at least 24 months of contributions.
If you haven’t reached that yet, you can do a lump sum payment or update your account if you’ve stopped contributing.
📌 FIRST TIME TO AVAIL PAG-IBIG HOUSING LOAN?
Please be honest.
Those who are blacklisted by Pag-IBIG are no longer eligible.
Want help finding the right property? Just pm me.
Lara Samante De La Cruz, REB
Unit Manager - Team Gwaps of Team Xfactor
+63919-956-2266
License No: 0029721
Registration Date: 06/24/2025
Valid Until: 12/27/2028
